Deduction for HRA and Repayment of housing loan

An employee can claim HRA exemption as well as the deduction for home loan repayment if he owns a house which has a home loan and lives in another house on rent provided employee has a good reason for not living in own house. The reasons could be as follows:

When someone owns a house in another city

When own house is under construction

When a person owns a house but is unable to move in due to any reason.